FAQ's - High Risk Processor

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What is a merchant account?

It is a commercial bank account that gives you the ability to accept payment by credit card.

Why does my business need to accept credit cards from my customers?

By accepting credit card payments you will boost your sales by at least 30%. Your customers will also recognize your business as legitimate and credible. It also improves customer convenience.

How do I apply for a merchant account?

Fill out our online application and submit the required information. If you need help or more information email us on info@highriskprocessor.com.

How long will it take for my application to be processed?

You will receive the necessary paperwork the day after your application via FedEx. You can begin accepting credit card payments within 24 hours.

What credit cards will my business be able to accept?

Your business will be able to accept American Express, MasterCard, Visa, Diners Club and Discover.

What type of equipment should my business use to process credit cards and checks?

You can get all the software and terminals needed from us. We lease them at quite competitive prices or you can buy from us if you prefer. You will need:

  • If you are a retail merchant – swipe terminals and the necessary supplies
  • Merchant Master Software for your computer
  • A secure check and credit card processing system that is real time for your online payments – E-Processing Network
  • For telephone and mail orders you need a Macintosh and DOS

Will my business receive a statement on the transactions processed?

Yes. A comprehensive statement will be sent to you and 24 hour customer service is also available.

How will my business receive payment for each transaction?

After payment authorization the money from your customer’s card is deposited to your account directly. It can take between 24 -48 hours for this to reflect in your account though.

How is the lease payment determined?

It is based on:

  • The software of hardware you select i.e. printer, software or credit card terminal
  • How long you lease it for – 12 months, 24 months, 36 months or 48 months.

How does E-Processing Nework Integrate with my website?

A link is established between your website and E-Processing Networks secure server.

How can I customize the E-Processing Network transaction form?

Go to “Merchant Menu” and click on “Edit Configuration” if you need help email your logo and the background graphics you need integrated to info@highriskprocessor.com.

Are my funds guaranteed?

If a dispute arises you will receive a request asking you to produce the proof of purchase. Additionally, your credit card processor is within his rights to discontinue the service for several reasons. As the merchant, you need to carry out due diligence by familiarizing yourself with the process to protect against anyone using a stolen card.

What Is Address Verification Service?

It is a preventative measure that guards against fraudulent transaction. It is part of the cards authorization process and checks the card number against the address given.

How do I get technical assistance?

Begin by referring to our technical manual. If you still need help drop us an email at info@highriskprocessor.com. Include your name, phone number and business name. Detail your question clearly and our technical service advisor will research it and get back to you.

E-Processing Network integrated with my shopping cart?

Your shopping cart software will need to be compatible with our system for this to work well. There are companies that lock out payment services that compete with theirs so contact us to find out if yours is compatible by emailing info@highriskprocessor.com.

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